Prohibited Merchant Categories

Merchants operating in the categories listed below will not be considered for approval under any circumstances. These business types are strictly prohibited and will not be evaluated during the application process. We recommend reviewing this list carefully before submitting any merchant applications to ensure alignment with our underwriting guidelines.

5122 Drug, Drug Proprietaries, and Druggist Sundries - CNP

5816 Digital Goods - Games for transactions involving skilled game wagering (for example: daily fantasy sports) - CNP

5912 Drug Stores and Pharmacies - CNP

5962 Direct Marketing - Travel Related Arrangements Services - CNP

5966 Direct Marketing - Outbound Telemarketing Merchant - CNP

5967 Direct Marketing - Inbound Teleservices Merchant - CNP

5993 CNP Tobacco (to include ecigarette/vape products and accessories)

7273 Dating and Escort Services - CNP

7995 Betting (to include Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Race Tracks)- CNP

Affiliate Marketing, Lead Generation (to include those within MLM)

Any product that contains Marijuana, THC

Any products, ingredients, distributors, etc. red flagged by LegitScript

Any substance deemed to be illegal and/or brand damaging - Synthetics, Kratom, Kava Kava, 'Shrooms, Bath Salts, etc.

Child pornography, beastiality, rape, non-consensual mutilation (by way of products, services, marketing material or

CNP Adult Content Video

CNP Direct to Consumer Firearms, Firearms Parts, Ammunition and Accessory Sales

Counterfeit Products of any kind

Credit Repair

Cryptocurrency

Cyberlockers (entity that facilitates access to remote digital file storage and sharing services)

Debt/Credit Counseling

Debt Collection (debt is not in collectible status)

Direct and Affiliate Get Rich Quick Schemes (to include within MLM)

Direct sale of Marijuana (MMJ), medical or otherwise

Fake Id's, Gov't Docs.

Gambling

Games of Skill, Games of Chance, Fantasy Sports, Daily Fantasy Sports, etc.

Government Lottery

High Risk Securities Merchants

Ingestible Hemp Products

Inhalants

Jammers

Money Service Business (MSB) and/or Money Transmitter Merchants

Mugshot removal

Multilevel Marketing - no physical product (less than 3 years processing history)

Negative Option

Online Auctions

Payday Lenders

Stored Value Card and/or Gift Card Resellers

Tech Support (less than 3 years history)

Telemedicine as Primary Service (medical offices/providers whose primary form of patient interaction is managed in a virtual setting)

Timeshare exit, deed/title transfer related services